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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $77,894 | $49,177+58.4% | $79,467-2.0% | $64,173+21.4% |
| Participation rate | 63.5% | 65.0%-1.6pp | 73.3%-9.9pp | 69.6%-6.1pp |
| Annual return | -7.10% | -1.16%-5.9pp | 718.30%-725.4pp | 7.63%-14.7pp |
| Employer contribution / active EE | $1,346 | $2,076-35.2% | $2,800-51.9% | $2,381-43.5% |
| Participant deferral / active EE | $3,160 | $2,821+12.0% | $3,704-14.7% | $3,470-8.9% |
| Admin fee / account holder | $2,140 | $3,839-44.3% | $5,104-58.1% | $4,887-56.2% |